TILA-RESPA Integrated Disclosures (TRID)
TRID is the consumer mortgage disclosure regime that integrated key disclosures under the Truth in Lending Act and the Real Estate Settlement Procedures Act into the Loan Estimate and Closing Disclosure. It replaced earlier disclosure forms for covered transactions and created a single, standardized disclosure workflow with timing requirements.
- Where it applies
- Federal
- When it comes up
- Origination through closing
- Property types
- Residential consumer mortgage transactions
In practice
When building transaction systems, TRID should be treated as a state machine (events → required outputs + timing), not just two static PDFs.
Related terms
Residential Financing
- Accrual Rate
- Adjustable Rate Mortgage (ARM)
- Amortization
- Application (TRID application)
- Conforming Loan Limit
- Pay Rate
- PMI Automatic Termination
- PMI Cancellation (Borrower-Requested)
- Private Mortgage Insurance (PMI)
- Secured Overnight Financing Rate (SOFR)
General information, not legal, tax or financial advice.